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IIFL Finance Ltd

NSE: IIFL BSE: 532636

480.85

(-2.15%)

Wed, 11 Mar 2026, 03:32 pm

IIFL Finance Analysis

dividend

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Pros

  • Dividends per share have increased over the past 10 years.
  • Dividends paid are well covered by earnings (5.9x coverage).
  • IIFL Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
  • IIFL Finance's dividend is above the markets top 25% of dividend payers in India (3.08%).
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Cons

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

health

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Pros

  • IIFL Finance's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
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Cons

  • IIFL Finance reports no customer deposits, loans are made up entirely of borrowed funds.

management

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Pros

  • The average tenure for the IIFL Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
  • More shares have been bought than sold by IIFL Finance individual insiders in the past 3 months.
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Cons

  • Sumit's remuneration is higher than average for companies of similar size in India.
  • The average tenure for the IIFL Finance management team is less than 2 years, this suggests a new team.

misc

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Pros

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    Cons

    • IIFL Finance is not covered by any analysts.
    • IIFL Finance has significant price volatility in the past 3 months.

    past

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    Pros

    • IIFL Finance's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
    • IIFL Finance used its assets more efficiently than the IN Mortgage industry average last year based on Return on Assets.
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    Cons

    • IIFL Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
    • IIFL Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
    • IIFL Finance's 1-year earnings growth is negative, it can't be compared to the IN Mortgage industry average.

    value

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    Pros

    • IIFL Finance is good value based on earnings compared to the IN Mortgage industry average.
    • IIFL Finance is good value based on earnings compared to the India market.
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    Cons

    • IIFL Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
    • IIFL Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
    • IIFL Finance is overvalued based on assets compared to the IN Mortgage industry average.
    • IIFL underperformed the Mortgage industry which returned -26.3% over the past year.
    • IIFL underperformed the Market in India which returned -14.5% over the past year.
    • NSEI:IIFL is down -4.6% underperforming the Mortgage industry which returned 7.7% over the past month.
    • NSEI:IIFL is down -4.6% underperforming the market in India which returned 8% over the past month.

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    Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800